FEMA mapping Process
The Federal Emergency Management Agency (FEMA) issued the county’s most recent Flood Insurance Rate Maps (FIRMs), including the map panels for the City of Davis on June 18, 2010. These map the Special Flood Hazard Areas (SFHAs). The SFHAs are FEMA’s determination of property that has a 1% chance of flooding in any given year. The SFHAs, or so-called “100-year flood” designation, is the criteria banks must use when the mortgages are backed by a Federal loan program. In these cases, homes within the flood hazard area must have flood insurance, through the federal flood insurance program. Even if the mortgage is not through a federal loan program, lenders may require flood insurance, if their policies so provide.
Yolo County is in a natural floodplain. SFHAs run along the Colusa Basin Drain near Dunnigan and Knights Landing, Cache Creek and the Sacramento River, including the Yolo Bypass. In the City of Davis, south of I-80, the current “100 year” SFHAs stop at the west levee along the Yolo Bypass.
As a result of levee failure and severe floodwater damages sustained nation-wide, FEMA requires certification of existing levees to meet or exceed quality standards established in 1986 for design and maintenance. As a result, even though the quality of the local levees hasn’t changed, none of the Yolo County levees met certification standards prior to the deadline for the current mapping effort, and this resulted in tens of thousands of people throughout Yolo County being required to obtain flood insurance by spring 2010.
For more information, FEMA forms and map search, visit the FEMA Map Service Center at http://www.msc.fema.gov/.